Will the creditors to agree if payment is done after few months?

See there is no option right now. So it's best to tell creditors about the situation. If your friend is a responsible borrower, then creditors may agree to give some time or create an affordable payment plan for her. In most cases, creditors offer a hardship plan to debtors when they are genuinely in financial problems.

If she has some savings, then ask her to request to the creditors for settlement. She can sell some items to manage the money. Or, she can enrol in a debt settlement plan to get out of debts.

During the first 3 to 6 months of nonpayment, she will receive snail mail and phone calls from her creditor. After that, most likely, her creditor will sell off her debt to a collection agency. I would suggest her to look for a full-time or part-time job immediately! And then she can opt for debt consolidation to pay off her debt with ease.